Short Answer: While U.S. Bank representatives could not provide information about its credit card approval process or its credit score requirements, you’ll have the best chances of being approved for a U.S. Bank credit card if your credit score is 660 or greater. Generally speaking, credit score cards are based on historical data. Whether you sign up for a secured or unsecured card , you can use your new line of credit to make purchases, pay bills, and improve your credit standing with responsible use. For more information, please see the First Citizens Consumer Credit Card Cardholder Agreement and Disclosure (PDF).. Once encountering large economic fluctuations. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. Comenity Bank is a major credit card company that has 93 credit programs for many top U.S. retail stores, focusing heavily on store-branded credit cards. Citizens Bank customers on the market for a business credit card might find a fit with either of the bank’s two offerings. It also does not have a preapproval or “instant” application available. Although U.S. Bank does not publicly state what type of credit score is needed for each of its cards, each card is designed with a different target consumer in mind.. If Citizens Bank needs additional information, it may take up to 30 days. But many of these offerings are designed for applicants who already have good to excellent credit scores (above 670), so those teetering on the edge of this limit might be worried about a denied application. Citizens First Bank also offers wealth management advising. You’ll need to apply before you can find out about approval and loan terms. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. Citizens Bank is a brand name of Citizens Bank, N.A. We are displaying limited archived data. Citizens Bank’s multi-year approval ensures your report would only be affected by a single hard credit check. Bank of America offers credit cards for all kinds of spenders – from basic, no-frills cards with great intro APRs all the way up to a premium travel card. Some information may be incomplete, inaccurate or missing. Experience exciting offers & benefits on Mastercard credit cards offered by Citizens Bank. You also don’t have to wait for your new card to arrive, you can simply use your credit card details to start shopping online immediately. If you have poor credit, you may want to consider applying for the U.S. Bank Platinum Visa or the U.S. Bank Cash+ Visa Signature Card. Your credit score will affect your chances of approval for any credit card, whether it’s for a first or second card. You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. It was originally published on Sept. 12, 2013. This is where you can qualify for top-tier cards with the highest credit limits, greatest benefits, and richest rewards. It is one of the ‘Big Three’ bureaus that credit card companies report to regularly — the other two being TransUnion and Equifax. Personal & Business banking in The Villages, Florida. Credit cards Get instant access to money when you qualify for one of our credit cards. The bank performs annual soft credit checks (which don’t affect your score) after you’ve met the initial qualifications, Roberts said. Editor’s note: This post has been updated with the latest information on credit cards, credit reporting, and credit scoring. Learn what it takes to get approved for a credit card and how to improve your chances. A VISA Credit Card from First Citizens Bank can be a money management tool to help build a good credit history when bill is paid in full every time. Income requirements: To qualify for a personal loan from Citizens Bank, you’ll need a minimum annual income of at least $24,000. Reward Credit card approval … According to FICO, five major factors determine your credit score, the first two of which carry the most weight: Payment history – 35% of your total credit score is based on your payment history and how often you've made consistent, on-time payments. Past models may lose their original predictive power. This article lists all of their affiliations as well as the easier credit cards that you can apply for which is very useful for those with a poorer credit score. The FICO credit score range spans from 300 to 850, with 850 being the best possible credit score. Member FDIC. 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